East County Schools Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
4.00%	Reward Checking	e-Checking 1.75% - National Average
1.76%	5-year CD	60 Months CD 1.85% - Synchrony Bank 60 Month CD
0.40%	1-year CD	12 Months CD 1.05% - Ally Bank High Yield 12-Month CD

View all East County Schools Federal Credit Union rates »

Overview / Commentary

www.eastcountyschools.org

619-588-1515

1069 Graves Ave Ste 100
El Cajon, CA 92021-4573

East County Schools Federal Credit Union is headquartered in El Cajon and is the 153^rd largest credit union in the state of California. It is also the 1,561^st largest credit union in the nation. It was established in 1956 and as of June of 2016, it had grown to 16 employees and 4,399 members at 2 locations. East County Schools Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to employees of all who work in the East County educational community. This includes both public and private educational institutions. Spouses, children, and immediate family of potential members who are currently working or retired from these schools are also eligible to become members of the credit union.
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Health

B+

Data as of Q2 2016

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Health Grade Components

Overall
NCUA #	11099
Year Chartered	1956
Employees	16
Primary Regulator

Profit Margin
Return on Assets - YTD	0.3%
Return on Equity - YTD	3.53%
Annual Interest Income	$1.4MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$101.9MM$98.2MM
Loans	Q2 2016vs Q2 2015	$59.2MM$43.3MM
Deposits	Q2 2016vs Q2 2015	$92.1MM$88.7MM
Equity Capital	Q2 2016vs Q2 2015	$8.8MM$8.5MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$241.00K$203.00K
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$262.00K$246.00K
Real Estate Owned	Q2 2016vs Q2 2015	$0$0

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

East County Schools Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	-	-	IRA Share Account
0.10%	-	-	Regular Shares (Savings)
0.10%	-	-	Roth IRA Share Account

East County Schools Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$100k^*	-	Platinum Access Money Market
OTHER TIERS: 0.10% → $10k - $25k \| 0.15% → $25k - $100k
0.15%^*	$25k^*	-	Money Market Shares
OTHER TIERS: 0.05% → $1k - $2,500 \| 0.10% → $2,500 - $25k

East County Schools Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%^*	-	$2,501	e-Checking - Qualifying
OTHER TIERS: 0.10% → $10k+ \| 0.25% → $5k - $10k \| 2.50% → $2,500 - $5k
0.01%	-	-	Share Drafts (Regular Checking)

East County Schools Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.76%^*	$10k^*	-	60 Months CD
OTHER TIERS: 1.56% → $1k - $10k
1.31%^*	$10k^*	-	48 Months CD
OTHER TIERS: 1.21% → $1k - $10k
0.95%^*	$10k^*	-	36 Months CD
OTHER TIERS: 0.90% → $1k - $10k
0.65%^*	$10k^*	-	24 Months CD
OTHER TIERS: 0.60% → $1k - $10k
0.65%^*	$10k^*	-	30 Months CD
OTHER TIERS: 0.60% → $1k - $10k
0.45%^*	$10k^*	-	18 Months CD
OTHER TIERS: 0.40% → $1k - $10k
0.45%	$10k	$100k	15 Months Bump CD
0.40%^*	$50k^*	-	12 Months CD
OTHER TIERS: 0.25% → $1k - $10k \| 0.35% → $10k - $50k
0.40%	$10k	$100k	9 Months Bump CD
0.25%^*	$50k^*	-	6 Months CD
OTHER TIERS: 0.10% → $1k - $10k \| 0.20% → $10k - $50k
0.20%^*	$50k^*	-	3 Months CD
OTHER TIERS: 0.05% → $1k - $10k \| 0.15% → $10k - $50k

East County Schools Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.76%^*	$10k^*	-	60 Months IRA
OTHER TIERS: 1.56% → $1k - $10k
1.31%^*	$10k^*	-	48 Months IRA
OTHER TIERS: 1.21% → $1k - $10k
0.95%^*	$10k^*	-	36 Months IRA
OTHER TIERS: 0.90% → $1k - $10k
0.65%^*	$10k^*	-	24 Months IRA
OTHER TIERS: 0.60% → $1k - $10k
0.65%^*	$10k^*	-	30 Months IRA
OTHER TIERS: 0.60% → $1k - $10k
0.45%^*	$10k^*	-	18 Months IRA
OTHER TIERS: 0.40% → $1k - $10k
0.40%^*	$50k^*	-	12 Months IRA
OTHER TIERS: 0.25% → $1k - $10k \| 0.35% → $10k - $50k
0.25%^*	$50k^*	-	6 Months IRA
OTHER TIERS: 0.10% → $1k - $10k \| 0.20% → $10k - $50k
0.20%^*	$50k^*	-	3 Months IRA
OTHER TIERS: 0.05% → $1k - $10k \| 0.15% → $10k - $50k

Locations

East County Schools Federal Credit Union Locations
Branch Office	1069 Graves Ave Ste 100	El Cajon, CA 92021-4573
Branch Office	8313 La Mesa Blvd	La Mesa, CA 91942